In the US, it has been 13 years since the PPACA restricted premium pricing to only a handful of factors:
https://www.healthcare.gov/how-plans-set-your-premiums
>Under the health care law, insurance companies can account for only 5 things when setting premiums.
>Age: Premiums can be up to 3 times higher for older people than for younger ones.
>Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.
>Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.
>Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.
>Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.
https://www.healthcare.gov/how-plans-set-your-premiums
>Under the health care law, insurance companies can account for only 5 things when setting premiums.
>Age: Premiums can be up to 3 times higher for older people than for younger ones.
>Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.
>Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.
>Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.
>Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.